smartMonday for individuals

Smarter, easier super
Kick-start the future you want. Today.

Every Monday is a new opportunity. To start fresh, to take control, to be motivated. To get ahead. To set a positive tone for the rest of your week. In the same way, we think every Monday is a chance to be proactive about your finances and start securing the retirement you dream of.

So at smartMonday, we've taken a different approach to super. We've combined our award-winning super fund with a focus on empowering our members with everyday, easy actions to help grow their super. Because even small steps can add up to a big tomorrow.

The smartMonday approach

Great performance and good value

Count on us

You work hard for your money - and we want it to work hard for you. At smartMonday, we're experts in retirement and investment. And we take the responsibility of managing the savings and wealth protection of our members very seriously.

smartMonday is the new face of Aon Master Trust, an award-winning super fund with a 27 year track record of creating wealth for our 50,000 plus members. Aon's worldwide group of companies is trusted to safeguard over USD$100 billion in funds under management so you can rest assured that your money is in safe hands.

  • Australian Financial Review's Smart Investor 'Retail Super Fund of the Year' (2014, 2015 and 2016)
  • Awarded the highest Platinum independent accreditation each year for the last decade by SuperRatings (2006-2016)
  • Top '5 Star' Heron independent rating from 2009 to 2017.

View our latest investment performance results here

Competitive fees

We want you to be able to make informed choices, so we've included our fees here:

  • Membership: $94.56 pa
  • Asset administration: 0.45% pa (smartMonday DIRECT)
  • Asset administration: 0.50% pa (smartMonday PRIME)
  • Investment: 0.24% pa to 1.39% pa, depending on your investment choice
  • The asset administration fee and Investment fee is calculated on your account balance
  • A portfolio rebate is available within smartMonday DIRECT if you have an account balance of $250,000 or more.

Insurance cover to protect you and your family

Insurance may not be top of mind when you're young and feeling healthy, and that means it can easily wind up at the bottom of the to-do list. But if one of life's 'what if' moments does happen - like loss or interruption of income, serious injury or death - it's important to know that you and your loves ones will have financial security. And that's where we can help. With our flexible and competitive insurance options, we make it easy to protect what matters to you the most.

  • With smartMonday, you're automatically covered with minimum levels of cover for events such as death and total permanent disablement (TPD)
  • We have a range of insurance options, including customisable cover for loss or interruption of income
  • It's easy to transfer insurance, apply for extra cover, reduce cover or opt out at any time
  • If the unthinkable happens, we'll guide you through our insurance claims process.

Learn more

Investment options and products for every stage of your life

When it comes to super, one size doesn't fit all! So at smartMonday, we've made it easy for your super plan to be as unique as you are. Your investment approach can reflect what stage you're at in your wealth journey, as well as incorporating personal factors like your own individual goals, how hands-on you want to be, your personality and your appetite for risk.

  • Choose to customise your super by mixing and matching between our range of pre-mixed, sector and direct investment options. Learn more
  • If you'd prefer to leave the investment decisions to us, you can select our default MySuper option. It's customised to your life-stage, meaning we invest in growth-style investments when you're younger and more defensive investments as you head towards retirement. Learn more
  • If you're retired or transitioning to retirement, you can enjoy the security of an income stream with a smartMonday Pension. Learn more
  • We have a fast, simple and complimentary consolidation service.

Advice and support

Smart, easy actions

At smartMonday, we believe that a little action today can go a long way towards creating the future you want. That's why we're pioneering a movement to make Mondays matter, with every Monday a fresh chance to take a small step in the right direction towards maximising your wealth. We'll even make it easy for you, by sharing our tips for smart, easy actions that will help you to make the most of every single financial opportunity we can find. Learn more

Super health check

It's no secret that super can be complicated. With so many variables and options, how do you know what's best for you? Enter our super health check. It's a free service as part of your smartMonday super membership. Our in-house experts are on-hand to answer any questions you may have, and they'll take a look at your account to make sure it's looking healthy and includes the right products and services for you.

And if you'd like more specialised advice to help you make decisions on a wide range of financial matters, we can also link you up with one of our expert Financial Advisers. Learn more

WeCare about you and your family

We want our members to be happy and healthy in all areas of their life. So if you happen to enter hard times, we're here for you through our 24/7 specialised support service, WeCare. It's a free phone service for members and their direct family in the times when you need it most.

You can reach out to WeCare for counselling services, access home care services when your circumstances change, receive funeral assistance following the loss of a loved one and even obtain advice with legal and tax issues. Call WeCare 1800 828 736 and mention you're a member, or family of a member, of smartMonday.

Join smartMonday super today, and start building a better tomorrow. Call us on 1300 880 588 or email

Member enquiries

Have an enquiry?
Please choose the appropriate contact below:

Not TESF or Enterprise
PO Box 1949
Wollongong NSW 2500
smartMonday TESF
Includes previous TESF members
PO Box R713
Royal Exchange NSW 1225
smartMonday Enterprise
Includes previous Enterprise members
PO Box 1282
Albury NSW 2640
smartMonday PENSION
Includes previous TESF Pension members
PO Box 1282
Albury NSW 2640

Not sure who to call?

Speak to a smartCoach on 1300 262 241 or email

Make Mondays matter

smartMonday is the business name of the Aon Master Trust ABN 68 964 712 340 (the Fund) which has been registered by Aon Hewitt Limited ABN 48 002 288 646 AFSL 236667 as sponsor of the Fund. The Trustee of the Fund is Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 RSE Licence L0001458. smartMonday PRIME, smartMonday DIRECT and smartMonday PENSION products are part of the Fund.
© 2019 Aon Hewitt Limited – Financial Services Guide

The WeCare service is provided to members of the Aon Master Trust and their families by NHS Australia Pty Ltd ABN 38 080 244 195